Short Term Homeowners Insurance?

I've been with USAA my entire life and have never filed a homeowners claim. There have been no changes to my home nor policy EXCEPT that this year USAA decided to increase my premium almost 20%! When I called them to ask them why, they could only tell me that my state approved the increase.


 
in east cost au gold is competitive, but i believe vacant express still beats them.

they beat USLI tho but their surplus line and usli is admited.
 
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